Whether your contracting business deals with construction, electrical, plumbing, excavation, land surveying or any other service, you are most likely aware that insurance for your commercial operation seems more complicated than that of any other industry.
If you contract out of a central office, you need property insurance. If your office is at home, you need additional endorsements on your homeowners insurance to keep that equipment parked in your driveway protected.
No matter where you start the work day, you definitely need general liability insurance to protect yourself against disgruntled customers and employees, as well as on-the-job accidents and injuries.
Depending on your operation, you may also require commercial vehicle insurance if your business owns several work vehicles used to transport crews to job sites. Most states will mandate that you carry workers compensation insurance in the event one of your employees is injured on the job. Texas employers can choose whether or not to provide workers compensation and depending on the nature of the work it may be a better option to do so.
Of course, there are also contractor’s insurance options that offer income protection, mechanical and electrical breakdown coverage, additional property protection, data breach response expense coverage and more. There is even the occasional need for bond insurance for those large bids and government contracts.
As a contractor, you know and deal with the unique set of risks facing your industry. You have more important things to do running a successful business than poring over various insurance policy documents. You need an insurance agent who has your business’ interests in mind and not the insurance company’s.
Knowledgeable, independent insurance agents at BKCW have been loyally serving their contractor clients in the Texas area for more than 60 years. Much may have changed in terms of regulation and industry standards during the decades, but our agents’ dedication to finding the right insurance at the right price for their contractor customers has remained steadfast.
We will always be available to answer any questions you may have, suggest coverage options best suited for your contracting business, and even assist you in filing a claim. We are able to locate you a number of policy quotes from a variety of insurance providers, ensuring the package you buy offers the best protection at the most competitive rates. Contact us to find out how your business can remain focused on the project at hand, knowing your insurance has you covered.